Item 15. Exhibits and Financial Statement Schedules


a)			1.Financial Statements

			See Consolidated Financial Statements under Item 8 on pages 40 through 48 of this Form 10-K.

			2. Financial Statement Schedules

			All schedules for which provision is made in the applicable accounting regulations of the SEC are not required under the related instructions, are inapplicable or the information is included in the Consolidated Financial Statements and, therefore, have been omitted.

			3. Exhibits

			The exhibits listed in the Index to Exhibits, which appears on pages 79 through 82 of this Form 10-K, are incorporated herein by reference or filed as part of this Form 10-K.